dealing with insurance companies

[Connie&Andrew]

I just wanted to share my experiences with my insurance company.

After my last baby was born (c-section), my insurance company denied about $1400 saying it was above their maximum. I called them and they asked to have the OB send a copy of the operative report. We did this and they sent me a letter saying that there was nothing unusual in the operative report so I was not due any additional benefits. I then wrote a letter asking for details on exactly what charges they were denying and how such a large portion could be above their maximum. Well, I just found out that they have now paid the entire balance.

When my son had his mod quad about 2 years ago, the insurance company denied a large portion of the surgical charges. We wrote letter after letter for almost a year. We were not going to let it go until we had a satisfactory answer as to why that much was denied. Well, they ended up covering the entire surgery.

I guess I just wanted to encourage anyone dealing with insurance companies to not give up. My husband swears they do this on purpose to see what they can get away with and if you keep pursuing they will finally pay. I don't know if that's true, but I do know that it pays to keep track of everything and make sure you get a satisfactory answer before you give up on the insurance paying any bills.

Just thought I would share.

Connie

[Francine_Litz]

I agree with your husband - they are completely corrupt. Many companies do this - just like your own favorite supermarket - there was a 20/20 (or one of those shows) done on that. It's sick! I went over my bill from my last hospital stay. They gave me two drops - TWO DROPS - of medication. I was charged $126 three separate times for this.

It's important to be a consumer at all times.

Thanks for posting this connie!

[twinsxx2+one]

Connie,

Thanks for the info, we are having our own insurance problems, you have given me some hope. I guess that I will just keep plugging away.

Jamie